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The Dynamic Interplay of Fintech Adoption, Financial Inclusion, and Economic Resilience: A Cross-Sectional Analysis of Emerging Economies

Authors: Manoj Kumar Chaturvedi

Published: 2025-05-02 11:30:37.148

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Abstract

This research paper investigates the multifaceted relationship between fintech adoption, financial inclusion, and economic resilience in emerging economies. Utilizing a cross-sectional analysis of data from a diverse set of emerging nations, we examine the extent to which the proliferation of fintech solutions contributes to increased financial inclusion and, subsequently, enhances economic resilience in the face of external shocks. The study employs a robust econometric framework, incorporating instrumental variables and control variables, to address potential endogeneity issues and isolate the causal impact of fintech adoption. Our findings reveal a significant positive correlation between fintech adoption and financial inclusion, particularly among previously underserved populations. Furthermore, we demonstrate that enhanced financial inclusion, facilitated by fintech, strengthens economic resilience by promoting diversification of financial assets, improving access to credit, and fostering greater economic participation. The paper concludes with policy recommendations aimed at fostering a conducive environment for fintech innovation, promoting responsible financial inclusion, and bolstering the resilience of emerging economies in an increasingly volatile global landscape.

Keywords

Fintech, Financial Inclusion, Economic Resilience, Emerging Economies, Digital Finance, Financial Stability, Regression Analysis, Institutional Quality, Innovation Diffusion, Sustainable Development

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How to Cite

Manoj Kumar Chaturvedi , (2025-05-02 11:30:37.148). The Dynamic Interplay of Fintech Adoption, Financial Inclusion, and Economic Resilience: A Cross-Sectional Analysis of Emerging Economies. JANOLI International Journal of Economics and Management Science , Volume MejgkunYNoDF1a6qqjpe, Issue 3.

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